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Goal SIP Calculator

Monthly SIP needed to reach ₹1 crore or any goal.

₹1 Crore
₹
years
% a year
₹
% a year

Set 6% so the goal grows with prices. Leave 0 for a fixed amount.

Monthly SIP needed
₹19,819
Goal amount then
₹1,00,00,000
₹1 Crore
You'll invest in total
₹35,67,352
₹35.67 Lakh

How to use

  1. 1Enter your goal amount or pick a common goal.
  2. 2Set how many years you have and the expected return.
  3. 3Add money already saved and inflation if you like.
  4. 4See the monthly SIP you need to start now.

Frequently asked questions

How much SIP do I need for ₹1 crore?

At 12% a year, about ₹10,000 a month for 20 years, or about ₹20,000 a month for 15 years. Change the years to see your number.

Why add inflation?

Things cost more in the future. A ₹25 lakh course today may cost about ₹60 lakh in 15 years at 6% inflation. Adding inflation plans for the real cost.

What return should I assume?

Equity mutual funds have given around 10–12% over long periods, debt funds 6–7%. Returns aren't guaranteed, so a slightly lower figure is safer.

How is the SIP calculated?

It assumes you invest at the start of every month with monthly compounding, the same method as our SIP calculator.

Should I increase my SIP every year?

Yes, if you can. Raising it with your salary helps you reach the goal sooner. Try our SIP calculator's step-up option.

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